This document provides a general overview of employment practices liability insurance (EPLI). EPLI covers employers against claims made by employees, former employees, or potential employees related to discrimination, harassment, wrongful termination, sexual harassment, retaliation, and wage/hour violations. Key aspects of EPLI coverage include the definition of wrongful act, wage/hour coverage, third party liability, defense costs, prior acts coverage, and punitive damages coverage. When evaluating a risk, underwriters may consider factors like the type of business, location, management experience, number of employees, management practices, claim history, and employee turnover. Many insurance companies offer HR tools to help clients like online training and free advice hotlines.